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Earlier this week I had to go to the other side of Sydney pick up some sound equipment we had ordered. While I was over that way I could also call into the office of our health insurer to claim for the acupuncture treatments I had recently. Since it was the other side of Sydney I thought Yay. A day out as Olivia. I dressed up in my favorite slacks and a nice top with my short light brown wig and my usual makeup. Little did I realise at the time I there was a big problem with my plan.
I picked up the sound equipment and then found a park near the health insurance office. I walked into the office which was quite crowded and joined the end of the line with no one paying any extra attention to me which always makes me feel happy in a way I can't describe that everyone is just seeing me as a woman.
When I got to the counter said hello in a quieter version of my normal voice. (my voice isn't very deep so I have found if I tone down the volume it seems to be passable) I handed over the membership card and the receipts for the acupuncture treatments. I just need to establish here that my wife's name is Joanne. The lady behind the desk then said "Joanne I just need to verify your address and date of birth". OMG what do I do. I had to make a quick decision. Do I tell her in front of everyone I'm actually her crossdresser husband or do I just give her my wife's date of birth. I just decided to just give her my wife's date of birth. That's should be OK. I can pretend be Joanne for a few minutes. Then it got a little weird when the lady asked why the treatments hadn't been claimed at the time of the treatment. I told her that he (meaning me) had forgotten to take his health fund card to the treatments. She then said "Husbands they'd forget their own head if it wasn't screwed on. What would they do without us" What else could I do but agree. So I think I said "Exactly" Shortly after to my relief she said that's all done" then my heart started beating out of my chest when she added "I JUST NEED YOUR SIGNATURE HERE". It was too late to come clean. I had already spent the last few minutes posing as Joanne. Even bagged out my husband for forgetting his card. So I picked up the pen and knowing reasonably what Joanne's signature looks like I made my best attempt at signing her name. The lady then said thank you and I thanked her and walked out of the office.
Walking back to the car I'm just thinking there is no doubt I have just broken the law. Maybe even more than one. I wasn't overly worried about being caught but breaking the law isn't something I usually do.
That afternoon when Joanne arrived home from work I told her she burst out laughing. She then said "Your going to have to do all the health claims from now on. You can pick to do them as you or me but I'm never walking in there." and then we both laughed with her almost in tears from laughing by this stage.
Anyone else been caught in a tricky legal situation while being your female self.
@oliviac bad choices but probably not to worry. You falsely claimed to be someone you are not. They could deny the claims if they pushed it, maybe more depending how far they want to go. You committed fraud thru misrepresentation. There is some forgery in there as well. Next time, just clarify who you really are. If you were confident enough to go into the office, you were confident enough to identify who you really are. You just made a bad choice based on their visual mistake.
Hi Olivia,
I don't know if I have actually broken the law, but I have signed in and out of hotels using my female identity. In each case, they have known my legal name but when I ask how I should sign the documents, they have just said, "As you normally would." So I have signed them as Aurora and no more has been said.
Aurora Lynnette
@denimwear Thanks Aurora for your reply. I'm sure there are some lawyers who could debate the legalities of signing as Aurora but I'm glad they just accepted that as your signature.
@denimwear Don't hotels ask you for IDs for the police where you are? It's not a frivolous request here.
Yes, they ask to see photo ID which is usually a driving licence. So they do know my legal name, but still accept my signature as Aurora. I don't know how they work it, however, the credit card works without a signature on their bill.
When I booked into the hotel, I booked it using my legal name and then advised them of my preferred name. When I arrived at the hotel and all the time during the stay they referred to me by my preferred name of Aurora. It seems that my photo I.D. matching my legal name was good enough for them and the credit card charges went through.
@denimwear ladies, you need to realize, if you use a name when signing anything that is not your legal name, you are committing misrepresentation in the eyes of the law. Can harm come from it? Depends. If it’s a lgbt get together, probably not, but if it is acting as a power of attorney to a legal document, we’ll, I’ll give you three guesses, the first two don’t count. This is strictly an opinion.
I do it every time I use my AMEX card....which is quite often. AMEX knows who I am. They were happy to issue the card. Vendors don't care because AMEX authorized payment. I've had zero problems. If there were any questions of legality, I'm sure AMEX would've refused to issue the card.
I'm not familiar with Australian laws, but I doubt you broke any. If the insurance company questions anything, they'll check with your wife, who will confirm it was her.
/EA
At least your wife is in on it Olivia so any repercussions it could be claimed as a mistake or ditsy moment by your wife. In essence there may have been a deception as if they check back to the service it was male who had treatment and female claiming but both insured as partners and able to claim so it would be easy to cover, there was no intention to de fraud. As they apparently say in Oz...'No worries'
Like Emily I have a credit card in my name and is attached to the main account, a vendor only wants payment. I have store cards and membership cards in my female name and wonder if that is legal but they only ask for a name and address, maybe birth date which conforms to the requirement as it isn't asking your legal name is it.
@ab123 I have a card as well. The difference here is, in our cases, the card company know who we r3present as and agree to it. It that case, the insurance company wrongly assumed an identity and the client signed the doc knowing the signature was fraudulent, thereby committing fraud. Was harm caused? No, but the insurance company has the right to persue the issue if they so choose. How far is up to them. Just don’t do it again. Identify as who you are legally when necessary and never misrepresent as someone else by signing anything.
@ab123 yes it is asking your legal name otherwise, you can put down King Tut. There is a ton of fine print with most things no one reads, but should. Some types of cards are meaningless, ie, points cards, membership to the card club, etc. but credit cards are not the same. They come with a pound of legal print.
Thank you Emily and Angela. I hadn't thought of the angle that my wife is in on it so she can say what she needs to smooth things over.
With the hotels here in Australia many don't even ask for your signature. All they care about is processing your credit card. Come to think of it I have impersonated my wife on another occasion when she has booked the room for me and was on autopilot and booked it in her name. I then rocked up to check in dressed as Olivia and the person behind the desk started calling me Joanne. I was glad they never asked me for a signature just to tap my credit card.
